Souphala Chomsisengphet

Souphala Chomsisengphet is the Deputy Director of the Credit Risk Analysis Division within the Economics department at the Office of the Comptroller of the Currency (OCC).

Dr. Chomsisengphet's research interests include household finance, real estate finance, banking and financial institutions, and applied microeconomics. She has published in peer-reviewed journals her research on frictions in mortgage modification and other loss mitigation practices, predatory lending in the subprime mortgage market, adverse selection in credit card markets, and consumer bankruptcy and default behaviors. In addition, her primary duties supporting bank supervision involve leading and managing the evaluation of statistical methods used by banks to develop and validate credit risk models for underwriting, risk management, and capital allocation under the Basel II A-IRB Framework. She also provides quantitative assessment and guidance to support banking policy developments.

Prior to joining the OCC in 2004, Dr. Chomsisengphet was an Economist at the Federal Housing Finance Agency (FHFA). She holds a Ph.D. in Economics from the University of Wisconsin-Milwaukee.